Financial Fitness Competition

Transform your financial future & get a chance to win $10,000.

Find your freedom NOW

NOW is a seven-month-long competition that gives participants a better understanding of their income vs. expenses while creating healthier spending habits.


This Is How We Do It

Teams are led by a PenAir Credit Union Certified Financial Counselor (lovingly referred to as their NOW Coach). Together they will build a better understanding of how to:

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Understand Finance Basics

Get a clearer picture of their finances with personalized, confidential, one-on-one coaching.


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Balance A Budget

Develop healthy spending habits and learn how to build a budget that fits their needs.


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Manage A Credit Score

Learn what it takes to eliminate debt to improve their credit score and financial wellness.


People Say The Nicest Things

Beverly, 2023 NOW Winner

The goal I am most proud of is improving my credit score. When I saw my debt balances go down, I was thrilled. It was such a huge weight off my shoulders.

Beverly, 2023 NOW Winner
Beverly, 2023 NOW Winner

Meet the 2023 NOW Winner

Congratulations to Beverly for emerging as the winner of the 2023-2024 Financial Wellness Competition! Her dedication, hard work, and commitment to transforming her financial future have truly paid off! Beverly walked away with an extra $10,000 at the end of the competition!



Cash In On The Competition

Now that they have a personalized game plan, it’s time to put in the work and transform their financial future. We like to think that the ultimate prize is the financial freedom our teams earn through the journey. But, there is literally cash on the line…. each team has the chance to win the grand prize of $10,000.

Transformation Over Time

Money doesn’t grow on trees, but over time small changes add up to BIG successes.

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Average Decreased Debt





Meet Our Past NOW Teams

Our past teams come from all walks of life, but they all had one common goal of saving, budgeting, and living their best financial lives. Read more about our NOW teams from 2020, 2021, and 2022.


Meet the 2023 NOW Teams

2022 NOW Teams

Veronica & John

Veronica & John

The pandemic was hard on Veronica and John and their finances. They’re getting back on their feet with stable new careers, but they need a little help from their NOW Advisor to figure out the next steps to take in order to meet their big family’s financial goals.


Crystal NOW


Balancing a full-time career in healthcare and raising two teenagers on her own, Crystal is determined to stick to a budget and help her kids develop healthy spending habits. With an empty nest on the horizon, Crystal wants to send her kids into adulthood feeling financially secure.


Jack NOW


Picking up the pieces after a divorce, Jack is ready to break free of debt and get his life on the right track. With the help of his NOW Advisor, Jack is learning to be strategic with saving and paying down debt, proving that it’s never too late in life to become financially fit.


2021 NOW Teams

Manson Family

Manson Family

Recently married and raising two teen girls, Clayton and Tammy are living with very little emergency savings. The Mansons are looking forward to the expert advice they’ll receive from their NOW Advisor to make their financial future brighter and more secure.


Rider Family

Rider Family

With their finances in “survival mode” since Hurricane Sally took a blow on their bank account, Jennifer and Kirk are nervous about their growing debt. They want to get their finances in order without having to sacrifice making memories with their daughters.


Wooton Family

Wooton Family

Wesley and Tammy’s new marriage and adoption of their two young boys (Hunter, 6 and Hayden, 3) has them starting over later in life. They’re focused on setting goals for retirement and building a foundation of healthy money habits for their children.


2020 NOW Teams

patroni family

The Patroni Family

The Patroni family hopes to learn how to manage spending habits so they can pay off debt and build savings. The global pandemic has helped them realize the importance preparing for financial emergencies.


Miller Family

Miller Family

The Miller family’s long-term goal is to decrease their family spending so they can build a better financial foundation for the lifestyle they’ve been working towards.


Gant family

Gant Family

For the Gant Family, solidifying a financially secure future means learning how to manage their income, increase their credit score, and ultimately own a home.




Takeaways and Lessons

Along the way, Teams share their experiences through short monthly blogs and video updates that are posted to PenAir Credit Union’s social media accounts. You can also look back at previous Team experiences.

Chipping Away the Debt

This month I am steadily chipping away at credit cards debt....
Read More

Getting Back on Track

We’ve got some catching up to do this month....
Read More

Discipline is Key!

In November, we opened two Christmas Club accounts.  ...
Read More
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Interested in learning more?

At PenAir Credit Union, we believe in empowering our members to achieve their financial dreams. To participate in NOW 2024, you simply need to:

  • Be a PenAir member or eligible to join the PenAir Credit Union and willing to open transactional accounts for purposes of monitoring contest results. Don’t worry if you are not a member yet; we are excited to welcome you aboard!
  • Must demonstrate a need for NOW and a commitment to significantly improve your financial situation. Here are some examples:
  • Planning for your future, whether it’s retirement, education, buying a home, or reducing debt.
  • Setting savings goals and sharing your progress with us regularly.
  • Being open to working closely with a NOW Financial Coach, who will support you through phone calls, emails, and in-person meetings.
  • Willingness to share your financial journey with the community through interviews for print and electronic media.
  • Must have not declared bankruptcy in the last 12 months.
  • Must not have caused PenAir Credit Union a loss.
  • NOW participants must execute all waivers and agreements required by PenAir Credit Union


Rest assured; we understand not everyone’s financial journey is the same.  So, whether you’re just starting out or looking to make significant strides, PenAir Credit Union is here to support you every step of the way!

Our dedicated committee, comprised of PenAir team members, will carefully review all applications. If you’re selected, you’ll have the opportunity to interview with us. We’ll also conduct a background check to ensure a safe and supportive environment for all participants.  Applicants not selected; will be notified by email.

Once selected, you’ll embark on a transformative journey towards financial empowerment. Over the course of the year, you’ll:

  • Work closely with your assigned NOW Financial Coach to develop personalized strategies.
  • Engage in various activities, including media interviews and educational sessions, designed to enhance your financial literacy.
  • Track your progress towards your savings and debt reduction goals.

Throughout the remainder of the year, participants will work towards their goals – working with financial coaches, completing various media interviews, attending educational sessions, etc.  The contest will end on March 31, 2025.


Points will be awarded in three categories:

  • Increase in savings – based on percentage increase
  • Debt reduction – based on a percentage increase
  • Participation in program events – coach meetings, educational sessions, etc.

A committee of credit union employees will review the participants’ results in April 2025 and a winner will be determined.  The winner will be announced in April 2025.  Only one application per individual or family is permitted.  All decisions of PenAir are final, absolute, and not subject to inquiry.  The $10,000 prize will be awarded to the family that earns the most points during the contest.

Ready to take the first step towards financial freedom? Apply now and let’s embark on this journey together!  At PenAir Credit Union, we’re not just about banking; we are about enhancing lives.  Your financial well-being is our priority, and we’re committed to helping you thrive.

**Disclaimer** Any materials sent to PenAir in support of your application will be retained by PenAir, will become the property of PenAir’s NOW 2024, and will not be returned to you regardless of whether you are selected as a participant.  Any expenses you incur during your application process, including postage and materials preparation are your responsibility.  PenAir will not reimburse you for these expenses. 

NOW applications open at the beginning of each year and will be posted on the Financial Advising Competition page after March (so you’re in the right place). You could take home $10,000!


For all events, employees and volunteers of PenAir Credit Union, and their immediate families, are not eligible to participate. Immediate family includes spouse, parents, siblings, children, stepparents, stepchildren, grandparents, and grandchildren.

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